Life Insurance and College Savings Plan

Dr Rachel Clopton

Aggregate Premium

   $1M Base Whole Life / Excess Funding

Guardian Life

Voluntary Additional

Projected Guaranteed

Projected

Projecetd

Additional

Net

Total Cash Value

Net

Policy

Att Age

Annual

Annual Income

Cash Value

Death Benefit

Year

Premium

1 2 3 4 5 6 7 8 9

38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 85 86 87 88 89 90 80

24,133 24,133 24,133 24,133 24,133 24,133 24,133 24,133

0 0 0 0 0 0 0 0

23,028 23,484 23,948 24,417 24,887 25,356 25,825 26,281

23,028 47,620 80,006 117,758 157,416 199,548 244,210 291,556 284,544 277,520 236,555 193,845 183,174 172,131 160,528 135,085 107,865 78,795 82,126 85,355 88,111 91,499 94,922 98,345 101,773 105,231 108,672 112,534 116,398 120,249 124,069 127,855 131,590 163,576 162,095 159,276 155,048 149,317 142,261 161,117

1,107,682 1,211,590 1,314,995 1,416,777 1,517,528 1,617,444 1,717,032 1,817,685 1,718,033 1,625,506 1,425,429 1,232,593 1,149,992 1,069,546 1,001,678 961,405 919,065 874,575 862,226

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

‐32,500 ‐32,500 ‐52,600 ‐52,600 ‐32,500 ‐32,500 ‐32,500 ‐32,500 ‐32,500 ‐32,500

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 48 49 50 51 52 53 43

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

849,495 837,201 825,279 813,122 800,705 788,033 775,135 762,495 750,905 735,538 721,979 708,169 694,115 679,830 448,885 431,895 414,084 395,373 375,577 354,296 527,901

58

95

0

0

85,877

207,424

          ______________________           Policy Values Reflect Dividend Additions from Guardian Life's 2019 Dividend Scale           Carrier Dividends are Never Guaranteed           See Attached Home Office Illustration of All Policy Costs, Features and Benefits